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Subject:  Re: Re: Frozen Pension Date:  1/29/2012  2:08 PM
Author:  Incomeonly Number:  70049 of 78166

That the pension is 'frozen' really doesn't matter to you, as it will pay your accrued benefit at the plan's full retirement age, usually 65.

But here is the math answer to your question:

Assuming a life expectancy to age 88 (23 years), and assuming a discount rate of 4.5% (the average annual return the plan would expect to get over your life expectancy, using an asset allocation of 85% gov or investment grade corporate bonds and 15% equities), the present value of a $380 monthly annuity over your life ex